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Looking to make a purchase, would a credit card or finance suit me better?
Hi all, I am in the process of looking for a new laptop that I can use when I travel around working, I have specced out the model that I would want and it comes in at around £2000 (expensive I know but I see it as investment in the long run) To fund this I have being looking at either getting it on finance or via a credit…
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0% Interest on purchases Credit Card?
Hello, I've never owned a Credit Card before but was curious to know if anyone here can advise me a little on a 0% Interest on Purchases card? If it says 0% Interest on Purchases for 12 months, does that mean I can purchase something with the card and not pay any Interest as long as I pay off the balance within the 12…
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Looking for a Portable Credit Card Machine or our small business
Hi, Am hoping to get some advice. We want to get a portable credit card machine for our small electrical business, but unsure which to go for. Can anyone recommend one? We don't want to shell out monthly fees, or a high percentage of each transaction either. but we also want the customer to feel safe and secure using the…
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cancelling a barclaycard
I have a barclaycard i don't use anymore , but i still have money to pay back (am only paying minimum each month) and the intrest is more than what i am paying . if i was to cancel it would i have to pay it all back now or would i be able to set a payment plan with them and would it stop the interest being charged every…
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can i use credit card to pay mortgage deposit
I want to pay towards the deposit for my daughters house, can I use a 0% credit card to do this? if so will it just be classed as a purchase ie I just pay the mortgage lender or will I have to ask for a cash transfer and pay a fee? this is a gift and I don't have any claim on the property. appreciate advice on this
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Moving abroad, with UK Credit Card Debt...
Hello guys and gals. So I'm planning on moving to Australia at the beginning of April, however I currently have about £2000 of debt on my credit card. I cannot afford to pay all of this off before I go, I have to save some money so that I can afford to live when I get out to Aus. So my 2 questions are- 1. How easy is it to…
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Probably a silly question ... but
Probably a silly question ... but I need to ask so I am hoping someone can help me out! I have recently (in the last month) applied for the Santander CC to clear my argos card so a balance transfer CC, all accepted and waiting to transfer. Now I need to use a CC to make some purchases, and my question is if I applied for a…
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Cashplus anyone?
Hi all, new today. Need some help re cashplus. Ive had a card for 2 years. I have never used it! Oops. I had it to buy online really but after finding it hard to get through to customer services and reading that its not the easiet company to deal with I kind of forgot about it and shelved it. They send me emails tellling…
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used credit card to pay for money gram
I just need to find out what is the best way to send money oversea is a credit card or debit card and which has no charges ?
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Loan or 0% balance transfer
I have just ordered a new car but haven't yet arranged the finance. I need to finance £7600 and the dealership offer would mean I pay nearly £2000 interest over five years. With my bank, or a few other banks, I can get that down to £1500 interest over five years but was looking for advice on 0% balance transfer credit…
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Halifax Credit Card(s)
Hi all, My new job means I have to travel regularly, sometimes to Europe. I have to use a personal credit card for work expenses, and claim back the money. So basically, I'm after a card that allows me to spend abroad without charges. I would like to get the Halifax Clarity card, however, I kind have an existing Halifax…
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Money for nothing
Hi, I am looking for some advice - I currently have a barclaycard which I am paying monthly direct debits on, but because I am only paying the minimum payment the balance is not going down, in fact it goes up sometimes. I have buried my head in the sand for too long now and I really need to sort myself out. I cannot get a…
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Credit card balance transfer, advice please
I have a credit card with Nationwide which is empty and a Barclay card with £992 owing. I want to clear this asap as we want to save for a deposit for a house but at the moment I am paying around 15% interest. Should I try my own banks first to see if they will give me a better deal before I apply online? I have accounts…
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Barclaycard Initial - money transfers?
I'm having a look at the Barclaycard Initial, as I would like to pay off my £700 overdraft over the next few months without continuing to pay fees. Does this card allow money transfers?
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santander 123, and online exclusive balance transfer cc
been with Santander 123 account for about 7 months. they would not allow me a overdraft, I have also asked twice for a overdraft and they refused, and every now and then id try and apply for a overdraft in online banking but always refused. they also refused me a credit card car about 4 to 5months ago. last night I once…
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Credit Card Hell
Hello, I was wondering if anyone could help me. I currently have 2 credit cards, one with 1,400 debt on a Barclaycard and one with £600 on a Halifax credit card debt. I am also in my overdraft limit (Barclays bank account) by £800. I tried to get an interest free credit card with capital one, but my limit is only £200. I…
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Repaying Credit Card with Another..
Hi all. So today I just got my credit rating with Experian, never had it before, and it comes up "Fair" at 821. Soon I will be going from student/part time worker into full time employment and I felt it a good time to start considering my credit rating and how to improve it. Started with basic things like getting all my…
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Car Hire rental excess charges
Am I within my rights to say “No” to a UK car hire company from credit card blocking their insurance excess and the ‘refundable’ deposit they also want to take? Why? In January I hired a car for 4 days from Budget. The hire charge was £71 which was paid online when booking. On collecting the car the usual rigmarole ensued.…
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john lewis refund showed up as not paying minimum payment
I had a refund on a purhase from john lewis which on my next partnership card account statement they sent me a warning saying I had not paid the minimum payment. This was not true because I was in zero credit after the refund. The letter they sent me said it could affect future credit. When I called them they just said it…
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Payment cards in the Netherlands
Can anyone advise me what is the most accepted card to use in the Netherlands. I find in very many places that my usual credit and debit cards are not accepted, even in the main supermarket and most stations. I am happy to prepay rather than have to carry wedges of EUR. Someone suggested it needed to be a Cirrus card. I…
